FCFS · Nasdaq · Financial Services
FirstCash Holdings, Inc. (FCFS) — Rank #177 by gross profitability (GP/assets 0.34) · ROE 14.2% · Piotroski F-Score 7 / 9.
As-of 2026-10-30 · CIK 0000840489 · all metrics point-in-time as of the filing date.
About
FirstCash Holdings, Inc., together with its subsidiaries, operates retail pawn stores in the United States, Mexico, rest of Latin America, and the United Kingdom.
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The company operates through four segments: U.S. Pawn, Latin America Pawn, U.K. Pawn, and Retail POS Payment Solutions segments. Its pawn stores lend money on the collateral of pledged personal property, including jewelry, electronics, tools, appliances, sporting goods, and musical instruments; and retails merchandise acquired through collateral forfeitures and over-the-counter purchases from customers. The company also provides retail POS payment solutions, which focuses on LTO products and facilitating other retail financing payment options across the network of traditional and e-commerce merchant partners. It serves cash and credit-constrained consumers. The company was formerly known as FirstCash, Inc and changed its name to FirstCash Holdings, Inc. in December 2021. FirstCash Holdings, Inc.
was incorporated in 1988 and is headquartered in Fort Worth, Texas.
- Industry
- Credit Services
- Sector
- Financial Services
- State
- TX
- Filer Category
- Large accelerated filer
- Fiscal Year End
- December 31
- Website
- firstcash.com
Company Snapshot
P/E and reverse DCF are the primary valuation lenses at this stage.
Market Cap
—
P/E (annual)
—
P/S (annual)
—
P/B
—
P/OCF (annual)
—
Shareholder Yield
—
Employees
—
Industry
Credit Services
Exchange
Nasdaq
9/11
Flags passed
FCFS fails 1 critical flag
Passes 9 of 11 quality flags, 1 caution
- FAILBalance sheet deteriorating
Net cash collapsed with receivables or inventory outpacing revenue
- CAUTIONDisclosure regression
A previously-disclosed line item is no longer reported — worth checking the filing for why
- PASSGross margin holding
- PASSDilution within 2%
- PASSFCF not negative from investment
- PASSRevenue not declining
- PASSFree cash flow intact
- PASSPasses safety gate
- PASSNo competitive retreat
- PASSSBC not compressing margin
- PASSNo valuation convergence
Strengths Revenue growth accelerating · Deferred revenue growing · Sequential beat (rev + EPS)
No data Operating margin — not counted as a pass.
A count of the 12 warning flags that could be evaluated. Unweighted: colour follows the worst flag.
Quality Profile
Profitability
1/1 passSafety
1/1 passCash Flow
3/3 passGrowth
2/2 passFCF yield, shareholder yield, and buyback activity are the primary reads at this stage.
Profitability
Does it make money well?
No warning flags · GP/assets 0.34
Gross profitability (GP / assets)
0.34
Primary signal (Novy-Marx).
8th of 11 SIC 59 peers
Return on equity
14.2%
Gross margin
50.3%
5th of 11 SIC 59 peers
Revenue growth (YoY)
8.0%
Gross margin improving
Margin trend vs prior year.
Operating Leverage
| 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|
| Revenue vs COGS | ||||
| Revenue vs OpEx | ||||
| Op. Income vs Revenue |
Growth
Revenue CAGR (3Y)
10.3%
Revenue CAGR (5Y)
17.5%
Earnings CAGR (3Y)
9.2%
FCF CAGR (3Y)
7.0%
Cash Flow Health
Is the cash real?
No warning flags · FCF 61% above net income
Free cash flow
$531.04M
Operating cash flow minus capex.
Positive free cash flow
FCF vs net income
60.7%
(FCF − net income) ÷ |net income|. Positive: cash above earnings. Negative: below.
FCF not below net income
Fails when free cash flow is below net income (yellow flag).
Accruals healthy
Cash-backed earnings.
SBC / revenue
0.6%
Stock-based comp intensity.
Balance Sheet Strength
Can it survive a storm?
Warning: Balance sheet deteriorating · net debt $2.04B, F-Score 7/9
Balance-sheet safety
Composite anti-fragile check.
Debt / equity
1.36
6th of 10 SIC 59 peers (best = lowest)
Current ratio
4.89×
1st of 11 SIC 59 peers
Quick ratio
0.70×
Net cash
-$2.04B
Cash & equivalents minus total debt.
Piotroski F-Score
7 / 9
Fundamental-strength score (0-9).
Valuation
Is the price reasonable?
No warning flags
Dividend safety
Composite score
3.8 / 5
Capital allocation quality
Composite score
2.7 / 5
Lifecycle Phase History
Price History
Source filings on SEC EDGAR: 10-K annual reports · 10-Q quarterly reports